HSBC Time Deposit
Enjoy high-interest rate time deposit and grow your wealth without worries.
Put your money away for a set time and earn a higher rate of interest than you would in a savings account.
Benefits and services
- Customers who do not need immediate access to their funds and would like to earn higher rates of interest than those of a savings account
- Deposit tenors range from 7 days to 12 months
- Macau Pataca, Hong Kong Dollar or other foreign currency are available for time deposit, minimum deposit size of MOP/HKD5,000
- Access your account via branches, HSBC phonebanking or Internet Banking
- Choose from a number of renewal options when your time deposit matures
Limited Offer
Foreign Exchange & Time Deposit Offer
Exchange currencies and place them in time deposit to enjoy up to 3.35% p.a. preferential interest rate via branch and phone banking.
T&Cs apply. Currency conversion involves risk.
Exclusive New Fund Time Deposit Offers – Branch / Phone Banking Offer
| Currency | Tenor | Preferential Rate |
|---|---|---|
| MOP | 3 months | 0.35% p.a. |
| MOP | 6 months | 0.95% p.a. |
| MOP | 12 months | 1.45% p.a. |
| HKD | 3 months | 0.95% p.a. |
| HKD | 6 months | 1.45% p.a. |
| HKD | 12 months | 1.95% p.a. |
| USD | 3 months | 3.60% p.a. |
| USD | 6 months | 3.55% p.a. |
| USD | 12 months | 3.30% p.a.
|
| Currency | MOP |
|---|---|
| Tenor | 3 months |
| Preferential Rate | 0.35% p.a. |
| Currency | MOP |
| Tenor | 6 months |
| Preferential Rate |
0.95% p.a. |
| Currency | MOP |
| Tenor | 12 months |
| Preferential Rate |
1.45% p.a. |
| Currency | HKD |
| Tenor | 3 months |
| Preferential Rate | 0.95% p.a. |
| Currency | HKD |
| Tenor | 6 months |
| Preferential Rate |
1.45% p.a. |
| Currency | HKD |
| Tenor | 12 months |
| Preferential Rate | 1.95% p.a. |
| Currency | USD |
| Tenor | 3 months |
| Preferential Rate |
3.60% p.a. |
| Currency | USD |
| Tenor | 6 months |
| Preferential Rate |
3.55% p.a. |
| Currency | USD |
| Tenor | 12 months |
| Preferential Rate |
3.30% p.a.
|
Notes:
* Preferential rate only applies to new funds and the minimum deposit amount must not less than MOP100,000/HKD100,000/USD12,000.
* The promotional period is from 20 Jan 2025 to 31 Dec 2025, both dates are inclusive ("Promotional Period").
* The above promotion does not constitute any investment advice and subject to Terms and Conditions.
* Terms and Conditions apply. The above interest rates are indicative as of 19 Jun 2025 and are for reference only. They are not guaranteed and maybe subject to revision, as per prevailing market conditions. Deposits in different currencies, tenors and amount will have different preferential time deposit interest rates. We will confirm and advise you the applicable interest rate at the time when the time deposit is placed. For the latest interest rates, please contact our branch staff.
Interest rates
To find out the latest HSBC deposits rate on HKD, USD, RMB and other currencies for HSBC savings accounts and time deposit, please click here.
How to apply for an HSBC Time Deposits
Documents required for application
Important Information
Need more advice?
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